NFCU CC Chances

NFCU CC Chances

I have just signed up for a membership/account with NFCU and I have two questions. First, how long should I wait to apply for a CC; and second, what are my chances on getting approved for a nRewards CC? My current scores are in my sig below and my income is 66k.

Re: NFCU CC Chances

Thanks jsickz32,

My scores are EQ 514, EX 525, TU 585 and unfortunately I do have some baddies as I am just at the beginning of my journey. I'm sure I won't get the 7k but I have been in the constant denial mode. Do you think I will get approved with that information?

Re: NFCU CC Chances

My dad was approved for 2k cashRewards, 2k platinum and 5k navcheck with scores little higher than you but still in 500s. He had a bk7 from 09 and multiple COs. So yeah lol he also got his truck refinanced with them and went from 24% to 6%.

Re: NFCU CC Chances

If you do try please keep us updated. There has been multiple stories on here of approvals with scores in the 500's. Don't go into it expecting much and see what happens. They have a great secured card if all else fails, and the possibility of it graduating is there. Good luck!

Re: NFCU CC Chances

I know scupra, that's why I'm hopeful. I've seen on other sites of a handful of people within weeks of bk and eq scores lower than mine getting $1-3k right away, but like I said, I'm prepared if they won't approve me quite yet.

Re: NFCU CC Chances

Thanks everyone for the info! I'm gonna do it but I'm going to wait at least 24 hours from opening up the account so I'll apply tomorrow and let you all know! I'll be keeping my fingers crossed for a while!

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.